UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________ to __________ Commission file number 001-38487 Origin Bancorp, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdi ...

Financial Data and Key Metrics Changes - The company reported diluted earnings per share of $0.47 for Q2, with notable items impacting EPS by $0.39 [18] - Loans increased by 1.3% sequentially but decreased by 1% when excluding mortgage warehouse [18] - Total deposits declined by 2.6% during the quarter, with non-interest bearing deposits stable at about 23% of total deposits [19] - Net interest margin expanded by 17 basis points to 3.61%, benefiting from Argent's annual shareholder dividend [20] - Tangible book value grew sequentially to $33.33, marking the eleventh consecutive quarter of growth [22] Business Line Data and Key Metrics Changes - The commercial banking team saw an 18% reduction in FTE headcount, focusing on profitability models and alignment around key bankers [8] - C and I loans grew at an annualized rate of nearly 13% in Q2, despite large paydowns in the last two weeks of the quarter [9] - Treasury management revenue reached record levels, contributing to strong C and I production [10] Market Data and Key Metrics Changes - The company experienced a reduction in loan utilization rates from 53% to 50%, impacting cash utilization [38] - Economic uncertainty around tariffs and interest rates has slowed expectations for loan growth, but the company remains optimistic about origination volumes [10][36] Company Strategy and Development Direction - The company introduced "Optimize Origin," aiming for a 1% ROA run rate by 2025 and targeting top quartile performance among peers [4] - Increased ownership of Argent Financial to 20% is expected to drive additional income of approximately $6 million next year [5] - Focus areas include product delivery, streamlined organizational structure, enhanced data management, and improved expense management [6] Management's Comments on Operating Environment and Future Outlook - Management acknowledged economic uncertainty but expressed confidence in the actions taken to position the company for success [6] - The company anticipates mid to high single-digit loan growth in 2026, driven by market consolidation opportunities [36] - Management emphasized a disciplined approach to growth, focusing on the right industries and credit profiles [37] Other Important Information - The company repurchased 136,399 shares at an average price of $31.84 and announced a new $50 million repurchase plan effective through July 2028 [22] - The allowance for credit losses increased to $92.4 million, reflecting a stable credit environment [16] Q&A Session Summary Question: Expectations for net interest margin in Q3 - Management indicated that the second quarter benefited from an annual dividend from Argent and expects continued tailwinds from loan repricing [28] Question: Details on loan growth and customer paydowns - Management noted that economic uncertainty around tariffs has led some customers to reduce cash balances and utilize loans less [34] Question: Capital utilization and M&A appetite - Management expressed comfort with capital utilization and indicated ongoing conversations regarding potential M&A opportunities [46] Question: Update on Argent Financial and potential write-up - Management confirmed a write-up of approximately $7 million in the third quarter due to recent transactions involving Argent [70]

ORIGIN BANCORP, INC. 2Q TWENTY25 INVESTOR PRESENTATION FORWARD-LOOKING STATEMENTS AND NON-GAAP MEASURES This presentation contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include information regarding Origin Bancorp, Inc's ("Origin", "we", "our" or the "Company") future financial performance, business and growth strategies, projected plans and objectives, and any expected purchases of its outstanding common sto ...

Origin Bancorp (OBK) came out with quarterly earnings of $0.47 per share, missing the Zacks Consensus Estimate of $0.78 per share. This compares to earnings of $0.67 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -39.74%. A quarter ago, it was expected that this bank holding company would post earnings of $0.68 per share when it actually produced earnings of $0.71, delivering a surprise of +4.41%.Over the last four quarters, ...

RUSTON, La., July 23, 2025 (GLOBE NEWSWIRE) -- Origin Bancorp, Inc. (NYSE: OBK) (“Origin,” “we,” “our” or the “Company”), the holding company for Origin Bank (the “Bank”), today announced net income of $14.6 million, or $0.47 diluted earnings per share (“EPS”) for the quarter ended June 30, 2025, compared to net income of $22.4 million, or $0.71 diluted earnings per share, for the quarter ended March 31, 2025. Pre-tax, pre-provision (“PTPP”)(1) earnings were $21.5 million for the quarter ended June 30, 2025 ...

Exhibit 99.1 For Immediate Release ORIGIN BANCORP, INC. REPORTS EARNINGS FOR SECOND QUARTER 2025 Optimize Origin Financial Highlights • Net interest income was $82.1 million for the quarter ended June 30, 2025, reflecting an increase of $3.7 million, or 4.7%, compared to the linked quarter and is at its highest level in the previous nine quarters. 1 ` ` • In January 2025, we announced our initiative to drive elite financial performance and enhance our award-winning culture. • Built on three primary pillars: ...

Wall Street expects a year-over-year increase in earnings on higher revenues when Origin Bancorp (OBK) reports results for the quarter ended June 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The earnings report, which is expected to be released on July 23, might help the stock move higher if these key numbers are better than expectation ...

Core Viewpoint - Origin Bancorp, Inc. plans to release its second quarter 2025 financial results on July 23, 2025, and will hold a conference call on July 24, 2025, to discuss these results [1] Group 1: Conference Call Details - The conference call will be hosted by key executives including Drake Mills, William J. Wallace, IV, and Lance Hall [1] - Participants can join the call by dialing specific numbers and entering a Conference ID [2] - A live audio-only webcast will be available on Origin's website for those who prefer to listen online [2] Group 2: Company Background - Origin Bancorp, Inc. is a financial holding company based in Ruston, Louisiana, with a history dating back to 1912 [4] - The company operates over 55 locations across various regions including Dallas/Fort Worth, East Texas, and the Florida Panhandle [4] - Origin Bank focuses on personalized relationship banking for businesses, municipalities, and personal clients [4]

Technical Analysis - Origin Bancorp, Inc. (OBK) has reached a significant support level, indicating a potential investment opportunity from a technical perspective [1] - OBK's 50-day simple moving average has recently crossed above its 200-day moving average, forming a "golden cross," which is a bullish signal [1] Golden Cross Characteristics - A golden cross consists of three stages: a downtrend that bottoms out, a shorter moving average crossing above a longer moving average, and a subsequent upward price movement [2] - This pattern is contrasted with a "death cross," which indicates potential bearish momentum [2] Performance and Outlook - OBK shares have increased by 6.3% over the past four weeks, suggesting positive momentum [3] - The company holds a 2 (Buy) rating on the Zacks Rank, indicating a strong potential for a breakout [3] - The earnings outlook for OBK is positive, with no earnings estimates cut and one revision higher in the past 60 days, along with an increase in the Zacks Consensus Estimate [3] Investment Consideration - Given the technical indicators and positive earnings estimates, OBK should be considered for an investment watchlist [4]

Group 1 - Origin Bancorp (OBK) has been upgraded to a Zacks Rank 2 (Buy) due to an upward trend in earnings estimates, which significantly impacts stock prices [1][3] - The Zacks rating system focuses on changes in earnings estimates, providing a more objective measure for investors compared to traditional Wall Street ratings [2][6] - The upgrade reflects a positive outlook on Origin Bancorp's earnings, potentially leading to increased buying pressure and a rise in stock price [3][5] Group 2 - The correlation between earnings estimate revisions and stock price movements is strong, with institutional investors using these estimates to determine fair value [4][6] - Rising earnings estimates indicate an improvement in the company's underlying business, suggesting that investors may respond positively by driving the stock price higher [5][10] - The Zacks Rank system classifies stocks based on earnings estimates, with only the top 20% receiving a "Strong Buy" or "Buy" rating, indicating superior potential for market-beating returns [9][10] Group 3 - For the fiscal year ending December 2025, Origin Bancorp is expected to earn $3.18 per share, with a 1.4% increase in the Zacks Consensus Estimate over the past three months [8]